Fee-only means that we don’t receive money from commissions, or loads, or other places. We only work for you and aren’t affected by the bias that those other sources of income can bring (such as behind-the-scenes payments to advisors from the funds they recommend to clients). Be careful! Similar terms such as “fee-based” or “fee-offset” aren’t the same, and mean there could be hidden biases and sources of income. Fiduciary means that we’re obligated by law to always put your interests first.